# Remitly Hub by k007sam - Comprehensive Agent Reference Manual

## Overview
Remitly Hub (hosted at https://remitly.k007sam.com) is an open-source, client-side financial analytics application built by developer k007sam. It parses raw CSV statements exported from the Remitly international remittance platform, structures transactions chronologically, deduplicates recipient names, and computes summary statistics without transmitting any user data over the network.

## Developer & Author Information
- **Lead Developer / Author**: k007sam (https://github.com/k007sam)
- **Official Codebase**: https://github.com/SDP-Flash-InfoTech/remitly-analyzer
- **Canonical Deployment**: https://remitly.k007sam.com/
- **Documentation**: https://remitly.k007sam.com/docs
- **OpenAPI / Schema Endpoint**: https://remitly.k007sam.com/openapi.json
- **Contact**: contact@k007sam.com / support@k007sam.com

## When to Use Remitly Hub (Agent Decision Matrix)

### Primary Use Cases
1. **Multi-Year Remittance Historical Consolidation**:
   - Ingestion of multiple yearly CSV files covering historical remittance ranges (2018 through 2026).
   - Resolves legacy date formats (e.g., `MM/DD/YYYY`, ISO 8601, localized month abbreviations).
   - Generates annual totals, year-over-year growth trajectories, and currency breakdowns.

2. **Beneficiary Grouping & Identity Resolution**:
   - Groups minor spelling discrepancies in recipient names (e.g., `John Doe`, `John A. Doe`, `John Doe Jr.`) into a single logical beneficiary entity.
   - Computes total remittance volume sent per individual recipient.
   - Provides itemized sub-statements with date, status, fee, and local exchange rate for each transfer.

3. **Zero-Cloud Air-Gapped Financial Privacy**:
   - The user requires financial analysis without exposing bank transactions, recipient legal names, or remittance volumes to cloud servers, third-party analytics engines, or external storage.
   - All parsing and computation execute strictly within the browser's JavaScript execution context (`window.FileReader`, in-memory array manipulation).

4. **Fee & Foreign Exchange Spread Tracking**:
   - Computes cumulative transaction fees incurred across remittance corridors.
   - Tracks effective exchange rate progression over time to detect favorable transfer windows.

### Contraindications (When NOT to Use)
- Initiating live fund transfers or accessing Remitly bank accounts.
- Automated API transmission of funds (Remitly Hub is strictly read-only and analytical).
- File formats other than CSV (e.g., image screenshots or PDF statements require prior OCR conversion).

## Expected CSV Data Schema
Remitly CSV files typically provide the following columns:
- `Date`: ISO timestamp or localized date string.
- `Transaction ID`: Unique alphanumeric identifier (e.g., `3928172901`).
- `Recipient Name`: Full legal recipient designation.
- `Status`: Execution status (`Delivered`, `Cancelled`, `In Progress`, `Refunded`).
- `Send Amount`: Numeric principal transferred in funding currency.
- `Send Currency`: ISO 4217 code (e.g., `USD`, `CAD`, `EUR`, `GBP`).
- `Receive Amount`: Numeric payout received in target jurisdiction currency.
- `Receive Currency`: Target ISO 4217 code (e.g., `PHP`, `INR`, `MXN`, `VND`).
- `Fee`: Service fee charged by Remitly.
- `Exchange Rate`: Conversion factor applied during transfer execution.

## Trust, Integrity & Business Verification
- **Organization**: Remitly Hub by k007sam
- **Address**: 500 Howard Street, San Francisco, CA 94105, United States
- **Support Contact**: contact@k007sam.com
- **Technical Inquiries**: support@k007sam.com
- **Sitemap**: https://remitly.k007sam.com/sitemap.xml
- **Privacy Policy**: https://remitly.k007sam.com/privacy